Search found 183 matches

by sfchris
Sat Feb 24, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 2714

Re: Should I ask for a larger raise at yearly review?

You were promoted 6 months ago, given a nice raise, and are going to negotiate upward on your annual merit increase? If I was your boss I would honestly be a little offended - from my perspective I have been aggressive with your career, given you tremendous flexibility on your work conditions / wor...
by sfchris
Sat Feb 24, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 2714

Re: Should I ask for a larger raise at yearly review?

If you are truly worth more, I would plan on moving to a new company to get paid that. Realistically, that's usually what ends up happening because of corporate bureaucracy. You could give your boss a courtesy heads up, not telling him that you are planning to leave, but just say that I've become aw...
by sfchris
Thu Feb 22, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.75 [Money Market Rate To 1.75% APY]
Replies: 51
Views: 5126

Re: Capital One 360 Money Market now at 1.5%

UFB direct is 1.6%.

An excellent site for tracking bank account and CD rates:

https://www.depositaccounts.com/savings/
by sfchris
Thu Feb 22, 2018 4:38 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2623

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

I have an almost identical plan, but it takes about 5 days after the stock is bought before the stock shows up in my account and I can sell it. I have seen the price move 5% in that time. Plus I am not disciplined enough to sell right away so I am about to get out of the plan altogether.
by sfchris
Thu Feb 22, 2018 4:33 am
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 10170

Re: <gulp> Expensive mistake

I have also been on this site for several years, reading daily and I did not know those acronyms. Mainly I know the Vanguard ones. From my experience on other forums (Fatwallet), there certain people with a steel trap mind for memorization, and these are always the people using acronyms and telling ...
by sfchris
Fri Feb 16, 2018 3:25 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7795

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

On other boards, I have seen several lawyers post that it is the most important insurance to have... and it is not for medical coverage -- it is for lost income if you are permanently disabled. I pay about $150/year for a million dollars UM from AAA. And premium umbrella insurance might extend it fr...
by sfchris
Sun Feb 11, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 3058

Re: Getting Rid of Ants in the House?

Liquid Terro should eventually work, UNLESS these are agentinian ants in which case you, like me, are SOL. Agentinian ants are a super colony with an unlimited amount of queens. Since Terro works by killing the queen, it doesn't work with agentinian ants. After giving up on Terro, what I had to do w...
by sfchris
Sat Feb 03, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 7451

Re: How to think about your house from a financial perspective

I am a middle aged renter in an extreme cost of living area. For me, the question is inverted: "How do I think of a lack of a house from a financial perspective"?. What if I decide to buy later in an area where a starter shack is more than a million dollars and an ordinary home is close to 2 million...
by sfchris
Thu Jan 18, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4114

Re: How do you adjust side mirrors in a car?

My high school driving instructor bashed it into my skull in 1985 that I should always do a head check before changing lanes.

I still do. So the mirrors are nice, but not required.
by sfchris
Wed Jan 17, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 193
Views: 25452

Re: Do you have an umbrella policy?

So right now I am paying $440 on a $2mm umbrella from State Farm. If I move my insurance over to a new company I could pay $340 on a $2mm or $410 on a $3mm. Would you guys pocket the $100 savings (I am also going to save about $250 additional on Homeowners) and leave umbrella the same or would you ...
by sfchris
Wed Jan 17, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4404

Re: Umbrella Policy - 1M or 2M

Call_Me_Op wrote:
Wed Jan 17, 2018 8:53 am
mouses wrote:
Tue Jan 16, 2018 10:39 pm
My $5 Mil policy from AMICA is $622.
That's cheap. You must have a very low risk profile (including living in a rural area).
Actually, if you read through the other umbrella threads, that seems to be close to average ($100 per million).
by sfchris
Wed Jan 17, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4404

Re: Umbrella Policy - 1M or 2M

That is correct, and also you are not getting 100% equivalent coverage as Umbrella does cover a few additional things that auto+home policies do not cover (eg slander, libel, wrongful eviction, false arrest). Yes, these are less likely to be used but still, due to this and the reason neilpilot poin...
by sfchris
Fri Sep 01, 2017 12:46 am
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 59
Views: 18481

Re: The Forum is now "Feed friendly"

The latest version of Sage severely corrupts toolbar configuration! Please do not install that Add-on unless you have a backup of your profile.

This happened to me and I am still recovering. Several other users have also reported this in the reviews.
by sfchris
Fri Sep 01, 2017 12:02 am
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 59
Views: 18481

Re: The Forum is now "Feed friendly"

^^^ I've been using it for years. It's very compact, clean, no fluff. Sage :: Add-ons for Firefox Thank you. But I am kind of addicted to my.yahoo for news reading due to it's newspaper like layout and extreme compactness (which I have tweaked further using other extensions). You mentioned that you...
by sfchris
Thu Aug 31, 2017 8:58 pm
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 59
Views: 18481

Re: The Forum is now "Feed friendly"

This is great! I am a holdout who still monitors most of my forums via RSS. Glad I can do it for BH. One suggestion: Could you eliminate the subforum name from the topic titles? It makes it hard to scan through the topic list because they are so similar and so long. Screenshot: https://i.imgur.com/...
by sfchris
Thu Aug 31, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 1191

Re: Help Customizing Streaming TV Options

The short answer is that "unplugging" from cable TV is facing increased fragmentation, with the required streaming sites increasing along with the prices for each one. Depending on your needs, it is sports coverage that is going to cost you. You can pay for NFL Sunday Ticket streaming, but it is ver...
by sfchris
Wed Aug 30, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Umbrella Policy Coverage
Replies: 17
Views: 2144

Re: Umbrella Policy Coverage

This question has been asked many times and the bottom line is no one knows. Get at least one million and after that your guess is as good as mine. Yes. The OP should use the search. The other common advise is that umbrella insurance is not standardized and so every one is different. You really nee...
by sfchris
Mon Aug 07, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 6636

Re: Eclipse viewing

We have tenative hotel reservations in the totality but would prefer to drive a couple hours from relative's houses. However, those people planning to drive from areas like Chicago might want to worry about the potential for hurricane evacuation style traffic. Many of the highways in the areas of th...
by sfchris
Mon Aug 07, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Cap One Money Market 1.1% - any need for CD's?
Replies: 4
Views: 596

Re: Cap One Money Market 1.1% - any need for CD's?

You can get at least 1.30% in a savings account.
by sfchris
Sun Jul 30, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 16343

Re: Another bay area housing thread..

I see these Bay Area housing posts and I cringe. More power to the people that live there. What I find hard to believe is that there are no "glamorous" tech jobs in places such as Denver, Phoenix, Austin, Atlanta, Research Triangle, Dallas, Minneapolis or even Chicago where one could presumably buy...
by sfchris
Sat Jul 29, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 13120

Re: Your "at peace" moments.

My SO sleeps 2-3 hours longer than me. On vacations near the ocean, I like to leave in the early morning and walk in the quiet with only my thoughts. And when at home, my favorite is putting on heavy boots and a good rain slicker and then walking in a city park during a downpour. (We almost never ge...
by sfchris
Sat Jul 29, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Anybody with substantial gains in FANG stocks ?
Replies: 22
Views: 2593

Re: Anybody with substantial gains in FANG stocks ?

I don't know anything about investing, that's why I am here at BH. I am also pretty bad at paying attention to my portfolio and have forgotten to look at it for years at a time. :| Occasionally, in the late 90s, I made small bets along the way and then lost nearly all of the money. :oops: All of thi...
by sfchris
Sat Jul 08, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 5450

Re: A good VISA card for Gas & Groceries?

Alliant has a 3% cashback VISA. I use it for everything.
by sfchris
Sat Jul 08, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 4074

Re: Why is it wrong to hold both? [Total Stock Market and 500 index]

You can easily end up holding both if you tax loss harvested and the value never dipped again. Heck I ended up with some VV that way.
by sfchris
Fri Jul 07, 2017 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 16558

Re: Seeking advice on 1.2m house purchase

TuesdayGal wrote:
Anything else that I miss (especially Bay Area folks)?
If you can get a job in SF eventually, you might consider getting a rent controlled place here. It's not guaranteed long term due to CA Ellis evictions, but often times it works out and is quite a bit like owning.
by sfchris
Fri Jul 07, 2017 2:47 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 50405

Re: What's the ideal safe retirement net worth target?

When people say things like "25x investable assets" is that before tax or after tax? The tax on standard IRA withdrawls could be considerable in high tax states. Do I count them at 65% of their value for this purpose? You won't pay 35% effective tax on your IRA withdrawals. Unless you're withdrawin...
by sfchris
Tue Jul 04, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 14224

Re: What do you splurge on?

High quality sporting event tickets. I used to spend similarly on live music. Saw the Stones, third row center. :D Still enjoying that one, to this day.
by sfchris
Tue Jul 04, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 50405

Re: What's the ideal safe retirement net worth target?

When people say things like "25x investable assets" is that before tax or after tax? The tax on standard IRA withdrawls could be considerable in high tax states. Do I count them at 65% of their value for this purpose?
by sfchris
Thu Jun 08, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 113
Views: 13244

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

I have seen people here suggest that the Boglehead philosphy allows for a small amount of "play money", to gamble on individual stocks. Just not very much. I would agree. If you combine that with the "hold the stock forever" mentality, you could have a lot of fun as long as you stick to small amount...
by sfchris
Sun Jun 04, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Employer life insurance versus personal life insurance
Replies: 16
Views: 1593

Re: Employer life insurance versus personal life insurance

At least at my company, if you leave the company or retire, the life insurance is terminated. Is that the case here? If so, the obvious answer is to keep your old plan.
by sfchris
Sun Jun 04, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of Fed Estimated Tax Payments
Replies: 9
Views: 1268

Re: Timing of Fed Estimated Tax Payments

If I withdraw $10,000 tax deferred funds from my IRA both in February and November of this year, when are the Estimated Taxes due? Can I pay the estimated taxes for the February withdrawal on April 15th, then SKIP the June 15th and September 15 payments, and pay the taxes for the November withdrawa...
by sfchris
Tue May 30, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 3550

Re: Rental cars and Lose of Use insurance

Wow! I did!!! I checked and the credit card I used does cover Lose of Use. I called and they are secondary to my primary insurance. If you are planning on renting a lot of cars, follow up on this and consider getting a card that provides primary insurance. Then you won't get a ding to your insuranc...
by sfchris
Sat Apr 22, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect 401k contribution reported on w-2 box 12a. Ramifications?
Replies: 3
Views: 568

Re: Incorrect 401k contribution reported on w-2 box 12a. Ramifications?

Take a look at your pay statements and 401k contribution records for last year and the year before. It is possible that a pay date right around the end of the year might have been credited in a different year than you expected. The biggest problem as I see it is if you are maxing out your contribut...
by sfchris
Sat Apr 22, 2017 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect 401k contribution reported on w-2 box 12a. Ramifications?
Replies: 3
Views: 568

Incorrect 401k contribution reported on w-2 box 12a. Ramifications?

My employer over reported my contributions to my 401k by $1300 on box 12a item D on my W-2.

Is there any reason I should go through the hassle to get them to correct this?
by sfchris
Mon Apr 10, 2017 2:56 am
Forum: Investing - Help with Personal Investments
Topic: easy access, high interest account
Replies: 8
Views: 1166

Re: easy access, high interest account

You can earn 1.05% at Alliant credit union.
by sfchris
Wed Apr 05, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 3998

Re: Flights with limited pre-assigned seating benefits

You are a stronger person than me. I would never book international travel without a solid guarantee of a non-middle seat.

A middle seat for 16 hours is just about my idea of what hell is like.
by sfchris
Wed Apr 05, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Deleting "Systemic" Files in Windows
Replies: 13
Views: 1754

Re: Deleting "Systemic" Files in Windows

I assume you are keeping Vista around for a good reason? What many technologists do when they need an old operating system around for occasional use is they create a virtual machine using Virtual Box. Then it is just a set of files that you can store on a spare hard drive and only pull it out when y...
by sfchris
Mon Nov 28, 2016 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 6061

Re: Relocating from NY to CA for a job offer

rolandtorres wrote: A 1.25 hr drive commute without traffic /= a commute 1.25 hr with traffic, the same way that a 1hr LIRR commuter train trip /= a 1hr NYC subway ride.
Can you edit your post please? "/=" is meaningless. Perhaps you meant ">" or "!=". Better yet, spell it out without using symbols.
by sfchris
Thu Nov 17, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me do the HSA comparison math!
Replies: 7
Views: 1082

Re: Help me do the HSA comparison math!

I've found that the following link has a pretty useful spreadsheet that you can use to run HSA comparisons: https://thefinancebuff.com/hmo-ppo-vs-high-deductible-hdhp-hsa.html Thank you! That calculator makes it so much more clear. And thanks SimpleSimon for the reminder about the tax savings on th...
by sfchris
Thu Nov 17, 2016 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Help me do the HSA comparison math!
Replies: 7
Views: 1082

Re: Help me do the HSA comparison math!

Sorry FiveK,

i know you are trying to help but I feel that the data I provided is all that is needed to do a comparison. I need help!

The tax savings is the fact that pre-tax money goes into the HSA account.
by sfchris
Thu Nov 17, 2016 4:36 am
Forum: Personal Finance (Not Investing)
Topic: HSA California: Has it been ruled on that deposits and capital gains are taxed immediately
Replies: 5
Views: 2555

HSA California: Has it been ruled on that deposits and capital gains are taxed immediately

A coworker is telling me that he thinks this is undecided by the courts. He points to the only place this is mentioned in CA tax documentation: https://www.ftb.ca.gov/forms/2015/15_540cains.pdf Line 8 – Taxable Interest "Interest or other earnings earned from a Health Savings Account (HSA) are not t...
by sfchris
Thu Nov 17, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Help me do the HSA comparison math!
Replies: 7
Views: 1082

Re: Help me do the HSA comparison math!

Thanks, but what I posted are real numbers (eg what I actually spent using comprehensive this year vs what I would have spent with HSA) along with the premium savings and employer seed money. No need to make any assumptions about the details of the insurance. Once I know how to do the comparison tak...
by sfchris
Wed Nov 16, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me do the HSA comparison math!
Replies: 7
Views: 1082

Help me do the HSA comparison math!

I'm usually not too bad at math, but when I decided to try to compare my employers HSA offering to their comprehensive plan it is tying me up in knots. Can you help? Taxes: My marginal tax rate: 33%+1.4% = 34.4% California taxes HSA contributions unfortunately (9.3%) Too high income for FICO tax ben...
by sfchris
Mon Nov 14, 2016 9:20 pm
Forum: Forum Issues and Administration
Topic: The Forum is now "Feed friendly"
Replies: 59
Views: 18481

Re: The Forum is now "Feed friendly"

This is great! I am a holdout who still monitors most of my forums via RSS. Glad I can do it for BH. One suggestion: Could you eliminate the subforum name from the topic titles? It makes it hard to scan through the topic list because they are so similar and so long. Screenshot: https://i.imgur.com/m...
by sfchris
Tue Nov 08, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers Not Blocking
Replies: 24
Views: 2503

Re: Ad Blockers Not Blocking

Are you subscribing to a block list with Adblock Plus? If so, which one? You might choose a different list to subscribe to. Also, keep in mind that Adblock plus by default allows some "trusted sites" to display ads. It is possible that yahoo is on there. You have to go into the options and uncheck t...
by sfchris
Fri Nov 04, 2016 1:49 am
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 28035

Re: How to retire early (in your 30s or 40s)?

It just depends on if you have access to a mega back door Roth or are self employed such as a physician. In these two situations that I can think of off the top of my head you could easily be putting back around 50k a year in tax deferred accounts or more. 50k a year over 10 years at a hypothetical...
by sfchris
Sun Oct 30, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do insurance advisors exist?
Replies: 7
Views: 1177

Re: Do insurance advisors exist?

Wait until you try to get your head around umbrella insurance (there's no standard coverage, they are all different).

That's what insurance agents are for... you'll have to get reccomendations for a good (independent) one.
by sfchris
Fri Oct 21, 2016 3:27 am
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 7666

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

Mail a hard drive. Believe it or not Amazon accepts hard drives from its cloud customers. Its often the best solution.
by sfchris
Thu Oct 20, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 31
Views: 5092

Re: pro's and con's of closing/reopening amazon.com account?

Amazon already knows all that info about you. They are not going to forget it and they know your real name. There are various privacy settings on browsers that can allow your current browsing to not be associated with your log in account. But if you create a new account you have to use your real nam...